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Clayton, LLC
- Underwriter
2012 - maintenant
Responsible for completing quality control loan reviews on performing and/or non-performing loans whether pre- or post-funding which are submitted by the Investor to Insure accurate and timely re-underwriting, loan evaluations while reviewing for possible misrepresentation, omissions, inaccuracies and red flags and to review credit, income and asset documentation for our clients, using the client's guidelines, including qualification of wage-earner and self-employed borrowers per client/investor guidelines.
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JC III & Associates, Inc.
- Underwriter / Quality Control
2011 - maintenant
Review previously closed files for clients to ensure loans meet guidelines and are saleable on the secondary market.
Responsible for completing quality control reviews for 235 document retrieval clerks, maintaining 100% error free files and providing feedback to production staff and senior management.
Prepare appeals to investors and manage pipeline on loans that require rebuttal underwriting. Make recommendations for repurchase as needed to senior management.
Re-underwrite files to dispute repurchase demands from FNMA and FHLMC
Performing loan projects that require full review of income, including personal and business tax returns, bank statements, profit and loss statements, analysis of appraisal and credit reports.
Experience in reviewing Conventional, FHA & VA loan files.
Compliance projects that include analysis of application, credit, disclosure and settlement documents to ensure loan files do not have any issues for client.
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Everest University
- Admissions Representative
2010 - 2011
In the online division. I recruited and enrolled prospective students. Helped prospective students identify their unique skills and interests. And guided new applicants through the enrollment process, answering any questions they may have. I made all necessary enrollment forms available and assisted in the completion as needed
Assisted in placing students in nineteen different degree programs.
Achieved 110% of personal goals.
Met daily, monthly, goals and targets.
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Bank of America Home Loans
- Loan Review Specialist
2009 - 2010
Reviewed and underwrote mortgage loans to ensure compliance and saleability with the secondary market and CLD requirements.
Proactively contacted clients to resolve outstanding issues and expedite funding of loans ensuring loans are purchased within established timeframes.
Personally funded over $2B in closed loans in less than 6 months.
Funded cleared loans to clients and suspended any loans that did not meet conditions.
Type of loans were: FHA,VA, FNMA, FHLMC
Generated 175% of personal goals for team.
Exceeded daily, monthly, and quarterly goals and targets.
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CFIC Home Mortgage
- Managing Director
2006 - 2008
Provided day to day operations management for a Branch location in addition to producing and originating home loans. Oversaw a staff of up to 12 Loan Officers, recruited, hired and trained all staff. Developed strategic sales and marketing plans in order to achieve corporate goals. Identified process improvements and streamlined workflow in order to increase efficiency in the mortgage process. Maintained key relationships with clients. Reviewed all incoming files for compliance and fraud and helped in processing those loans that were sent to underwriting.
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NovaStar Home Mortgage Inc.
- Branch Manager
2003 - 2006
Managed branch operations for mortgage lending with over $97M in annual sales. Originated and completed home mortgages. Oversaw a staff of 12 Loan Officers. Coached and trained staff to ensure compliance with all regulations. Reviewed all loan files for profitability and drove new business development by prospecting, qualifying, and closing new clients.
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American Home Loans
- Branch Manager
1999 - 2003
Coordinated retail loan operations for location with 7 Loan Officers. Increased monthly production from $0 to over $4M/per month within 3 months. Assisted in processing of all loans for quality and compliance. Established as the only fully approved branch to offer FHA and VA products in the state of Florida. Responsible for reversing an under-performing branch into a highly profitable group.
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First United Mortgage
- Assistant Manager
1998 - 1999
Developed and implemented a telemarketing division, creating over 200 leads per month. Produced $2M+ in closed loans. Top producer generating $11M+ in pending and closed business.
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JPMorgan Chase FNA Advanta Finance Corporation
- Assistant Branch Manager
Paris
1996 - 1998
Generated average of $2M in personal volume growth. Awarded Winner’s Circle for 3 consecutive months out of 50+ associates. Initiated a Builder Program with local Construction/Perm Financing. Aided in processing all loan packages, leading to volume increase over $4M.
